Legal protection insurance

Legal protection insurance quote

per month

What is legal protection insurance?

Legal protection insurance, also known as legal expenses insurance, gives smaller organisations the legal support necessary to cover commercial legal affairs as efficiently as large organisations that have in-house legal teams.

  • IR35 and tax enquiries
  • Legal advice helpline
  • Compensation awards
  • Certain legal disputes

Set up commercial legal protection cover in less than 10 minutes

Our specialist cover includes free access to expert tax advice helpline, DAS employment manual and the DAS BusinessLaw online database.

Benefits of legal protection insurance


Protection for your employees

Tax enquiries, employees being summoned for jury duty, damage to property caused by trespassers – these all come with costs. Cover yourself and employees from the many events that can occur with commercial legal protection.


Protection for business owners

Accidents such as dismissing employees without following the correct procedure or incorrect tax returns can lead to legal action. We cover payments for court fees, inquiry expenses and court attendance costs to cover you if a claim is made.


Protection from costly disputes and inquiries

Should you be faced with VAT disputes, tax enquiries, compliance disputes with the HMRC, or needing help from tax consultants, we will cover all payments necessary to help you get back to business.

Legal protection insurance guide

Find out more about commercial legal protection, the risks it covers and what to look out for in a policy.

What is legal protection insurance?

Also known as legal expenses insurance and commercial legal protection, this cover provides you with legal advice and support whenever you might need it, particularly if you don’t have your own legal expertise in-house. The cover can include fees for solicitors, barristers and accountants, as well as court costs and certain compensation claims relating to employment disputes or tax returns.

What risks does legal protection insurance cover you for?

All companies are likely to require legal advice at some stage. Commercial legal cover exists to advise and protect you from a range of issues, such as employees claiming they were unfairly dismissed, to HMRC questioning you over discrepancies in your tax return.

What can I do to reduce my legal risks?

No business knows the answer to everything, which disruptive fast-growing companies know all too well. You can learn more about your industry’s changes by subscribing to publications that cover your industry to become aware of potential risks. And should you find yourself stuck, seeking specialist help may help you avoid a costly mistake.

What should I watch out for in a commercial legal policy?

Our commercial legal protection can only be bought alongside another business policy, such as public liability, professional indemnity or employers liability insurance. It cannot be bought on its own. Also, bear in mind that it won't cover your business for compensation costs resulting from a claim against you, so you may need additional cover for this.

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Legal protection insurance FAQs

The law is there to protect you and those around you, but it’s not always easy to decipher who’s in the right and who’s in the wrong, or to defend your corner effectively. And there are plenty of grey areas. That’s why if you find yourself caught up in some kind of legal dispute, you’re likely to need some expert advice from a professional. Here’s just a couple of situations where commercial legal cover would come in handy.

  1. Employment disputes are extremely common in the workplace, and they can occur whenever an employee feels they haven’t been treated fairly, or contrary to employment regulations. One example is if a former employee makes a claim of constructive dismissal against your business, or if you didn’t go through the correct redundancy procedures. If that happens you’ll be faced with an employment tribunal and all the costs that entails. In that situation, commercial legal cover will provide your business with expert counsel, and cover any legal costs involved.

  2. A dispute could also occur in the event that a company or individual you’ve entered a contract with does not perform their duties fully or as agreed. For example, imagine a photographer you’ve hired delivers the photographs in the wrong resolution and then permanently deletes the original files leaving you out of pocket and without the photos you paid for. Working out the best way to broach the issue is likely to require legal advice, which could be extremely costly without the right cover to foot the bill.

Customise your cover

To simplify things, we've categorised our covers into three groups: essential covers, professional covers, and management covers. You'll be guided through these different options during the quotation process.

Essential covers

per month

Essential for all businesses needing protection against bodily injury and lost or damaged property.

Select from:

Professional covers

per month

Protect against risks associated with the professional services you provide and the way you market your business.

Select from:

Management covers

per month

Protect your management and shareholders against the operational risks associated with running a company.

Select from:

Boost your cover from £10.08 per month

Commercial legal protection

Covers compensation awards, professional fees and legal costs associated with a range of legal disputes.

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Authorised by the FCA

The FCA supervises UK financial services firms to protect consumers. We are directly authorised and regulated by the FCA and our Firm Reference Number is 656459. These details can be confirmed on the Financial Services Register at www.fca.org.uk or by calling the FCA on 0845 606 1234.